| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 225 TOWN PARK DRIVE3 | SUITE 350 KENNESAW, GA 30144 | HCC LIFE INSURANCE COMPANY | $78K | — | $78K | 15.89% |
| THOMPSON INSURANCE INC.3 Filed as: THOMPSON INSURANCE INC | P.O. BOX 11408 MONTGOMERY, AL 36111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 15.10% |
| SMITH SPURGEON C3 | 8924 GLEN ROSE WAY MONTGOMERY, AL 36117 | AMERICAN HERITAGE LIFE INSUARNACE COMAPNY | $7 | — | $7 | 0.10% |
| THOMPSON INSURANCE INC.3 | 3300 GATSBY LANE MONTGOMERY, AL 36106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $410 | — | $410 | 14.98% |
| BENEFIT SOURCE INC3 Filed as: THE BENEFIT SOURCE INC | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $97 | — | $97 | 3.92% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $73 | — | $73 | 2.95% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 39104 | AFLAC | $40 | — | $40 | 1.62% |
| EUGENE L PORTER III3 | PO BOX 241146 MONTGOMERY, AL 36124 | AFLAC | $37 | — | $37 | 1.49% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DR PIKE ROAD, AL 36064 | AFLAC | $30 | — | $30 | 1.21% |
| ALAYNE T WILSON3 Filed as: ALAYNE I WILSON | 2260 WILLIAMS RD WETUMPKA, AL 36092 | AFLAC | $6 | — | $6 | 0.24% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.04% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 352980001 | $226K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 248 | $236K |
| Life insurance(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 248 | $248K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 248 | $243K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 248 | $236K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 290 | $491K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 248 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.